Fiduciary Archives - 401k Plan Optimization, Compliance, Investment & Partners

Free Tools Plan Sponsors Can Use to Vet Prospective Retirement Plan Advisors

By Fred Barstein / 401(k) advisor trust, 401(k) Plan Management, 401k Advisor, Client connection, DC Plan Sponsors, DC plans, Digital Tools, Employee happiness, Fiduciary, Fiduciary, Financial Advice, Financial Advisors, Financial Advisors, Financial Wellness, Improving Outcomes, Professional Retirement Plan Fiduciary Services, Record Keepers, Regs and Regulators, Retirement Plan Advisor, Retirement Plan Fiduciary, Retirement Readiness

Choosing the right financial advisor for your retirement plan is one of the most important decisions you’ll make as a plan sponsor. It’s also a...

Why Fiduciary Confusion Still Plagues Plan Sponsors

By Fred Barstein / 401(k) Managed Accounts, 401(k) Plan Management, 401k Advisor, Communication, DC Plan Sponsors, erisa, Fiduciary, Fiduciary, Fiduciary Training, Financial Wellness, Plan design, Retirement Plan Fiduciary, Retirement Readiness

Despite the rapid evolution of the retirement industry, one challenge continues to surface among plan sponsors nationwide: persistent confusion surrounding fiduciary roles. Even though more...

The Coming Battle Over 401(k) Participant Data

By Fred Barstein / 401(k) Managed Accounts, 401(k) Plan Management, Changing Recordkeepers, DC plans, Employee Data Protection, Fiduciary, Financial Advisors, financial wellness, Investment Managers, participation, personal financial advice, Recordkeeping

The 401(k) industry is heading toward a major conflict over who can access and use participant data. Record keepers and advisors both depend on this...

Why Many Small 401(k) Plans Still Resist Auto Features — and How Advisors Can Help

By Fred Barstein / 401(k) Plan Management, 401k Advisor, AI, auto enroll, auto escalate, Auto Portability, auto re-enroll, Communication, DC Plan Sponsors, DC plans, Digital Tools, Employee feedback, fee compression, fees, Fiduciary, Financial Advisors, Financial Wellness, Hybrid Advisors, Investments, Retirement Advisor Specialist, retirement income, small plans

Despite growing awareness of the benefits of automatic features like auto-enrollment and auto-escalation, many smaller 401(k) and 403(b) plans still trail larger ones in adopting...

Supreme Court Decision Lowers the Bar for ERISA Lawsuits Against Plan Sponsors

By Fred Barstein / 401(k) Plan Management, Benchmarking & Monitoring Fees & Partners, Benchmarking Fees, Communication, DOL, DOL Guidance, erisa, ERISA Advisory Council, fee compression, fee lawsuits, fee transparency, Fiduciary, Fiduciary, investment, Managed Accounts, provider due diligence, Record Keepers, Recordkeeping, Retirement Plan Advisor Due Diligence, Retirement Plan Fees

A recent Supreme Court decision has changed the legal landscape for plan sponsors, making it easier for plaintiffs to file lawsuits over how plans do...

Are Managed Accounts the Future of 401(k) Defaults?

By Fred Barstein / 401(k) Managed Accounts, 401(k) Plan Management, 401k News, Alternative Investing, benefit education, DC Plan Sponsors, DC plans, Due Diligence, Fiduciary, Fiduciary, Financial Advisors, Financial Wellness, Ideal Plan, Improving Outcomes, investment comittee, Investment Managers, Investments, managed accounts, Mutual Fund Fees, Plan Conversion, Plan design, Regs and Regulators, Research, Target Date Fund, Target Date Funds

As retirement plans evolve, so do the default investment options offered to participants. Target date funds still dominate the market, but attention is shifting toward...

The Coming Battle Over 401(k) Participant Data

Plan Sponsors Face Wave of New SECURE 2.0 Requirements in 2025-26

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